Honda Civic VP 4-Dr Sedan Insurance Rates
The average insurance rates for a Honda Civic VP 4-Dr Sedan are $1,384 a year for full coverage insurance. Comprehensive costs approximately $258 a year, collision insurance costs $604, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $3,024. Teenage drivers cost the most to insure at up to $5,212 a year.
Annual premium for full coverage: $1,384
Policy rates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Honda Civic Trim Level
For a driver in their 40's, Honda Civic VP 4-Dr Sedan insurance rates range from the low end price of $430 for just the minimum liability insurance to a high of $3,024 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
These price differences illustrate why it is important for drivers to compare prices using their specific location, rather than using average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap Honda Civic VP 4-Dr Sedan Insurance
Insurance prices for a Honda Civic VP 4-Dr Sedan also range considerably based on the model year of your Civic, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 137% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
Your home state has a huge impact on Honda Civic VP 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.
Using high physical damage deductibles could cut prices by as much as $580 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit
Because prices have so much variability, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and rates will be varied.
The chart estimates Honda Civic VP 4-Dr Sedan insurance prices for various risks and coverage choices. The cheapest price with discounts is $781. Drivers who use higher $1,000 deductibles will pay $1,188. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,384. Choosing low $100 deductibles for physical damage coverage could cost up to $1,766. Drivers with multiple violations and accidents could be charged around $3,024. The cost for full coverage insurance for a teenager can be as high as $5,212.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$108|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.